Vladimír Urbánek (Kurzy.cz)
Personal finance  |  February 13, 2013 14:55:59

How the Czechs provide for retirement?

The population is aging and most Czechs already knows that the state pension is not a guarantee of future aging. In a survey of the Czech Insurance Association (CAP) is still 34% of people say "... it somehow turns out, I'm more of a person who does not deal with old age."

"The importance of security for old age increases proportionately with age and income, "Says the manager of communication and education ČAP Marcela Kotyrová and adds:" The position of men and women are equal in this respect. "

As a key tool for old age security perceptions Czechs and Slovaks mainly pension products and life insurance, the named countries, however, vary their popularity.Slovaks version for ensuring overwhelmingly prefer life insurance in the Czech Republic at the age through life insurance plans to secure only 49% of respondents, and a full 80% percent of Czechs sees as the key tool of its provision for old age pension.

Pension plans have negotiated a total of 71% of respondents, the reason for the conclusion of the 70% of personal decision, and especially for those with higher incomes. In contrast, in the lower income group to 10 thousand. CZK per month were more likely impetus for negotiation consultant recommendations or relatives.

At II. pillar pension reform plans to enter only 6% of the corresponding. Paradoxically, despite all the recommendations of entry into II. pillar refuse particular higher income groups (71%). On the contrary, most potential clients are in the age group up to 30 years, while 43% of respondents were undecided in the group of people with an income of up to 10 000 CZK.

Regarding orientation insurance literacy area turned out pension too brightly. 'The results of the survey showed that the pension scheme in connection with pension reform is, together with life insurance among the areas in which people orient worst, "says Marcela Kotyrová and concludes:" The differences between continuous-pillar system and perceives only 38% of those surveyed . Among people under 30 years can explain these concepts only 32%, while in this age people perceive the need to provide for old age quite strongly, while it usually does. "


A survey prepared by NMS Market Research in December 2012

Country:              Czech and Slovak Republic

Method:                        on-line survey

Questionnaire:                      CR: 79 questions, SR: 24 questions

Target population:          18-50 years - a representative sample of the population

Sample population:         by gender, age, region, size of place of residence

Sample:             Czech Republic: 1017 respondents, SR:   312 respondents





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